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What is not covered?

3.06 Chronic Conditions

Treatment of non-acute and chronic conditions. By this we mean a disease, illness or injury (including a mental condition) which has at least one of the following characteristics:
  • No known cure or recurs
  • Leads to permanent disability
  • Is caused by changes to your body which cannot be reversed
  • Requires you to be specially trained or rehabilitated
  • Needs prolonged supervision, monitoring and treatment.

Exception: we pay for treatment of a disease, illness or injury arising out of a chronic condition, or for treatment of any symptoms of a chronic condition that flares up. However we will only pay if the treatment
is likely to lead quickly to a complete recovery or to you being restored fully to your previous state of health, without you having to continue receiving the treatment. For example, we pay for treatment following a heart attack arising out of chronic heart disease. This exception does not apply to treatment of a psychiatric condition.

Please note: In some cases it might not be clear, at the time of treatment, that the disease, illness or injury being treated is a chronic condition. We are not obliged to pay the ongoing costs of continuing, or similar, treatment. This is the case even where we have previously paid for this type of or similar treatment.

Talk to us about your options


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Contact our client assistance team with your query or request a callback from one of our health insurance specialists.

LifeStar Health Limited acts as an insurance agent for Bupa Global Designated Activity Company (Bupa Global DAC), which has passported its services through the European Passport Rights for Insurance and Reinsurance Undertakings. LifeStar Health Limited is enrolledid as an insurance agent under the Insurance Distribution Act, Cap 487 of the Laws of Malta and is regulated by the Malta Financial Services Authority of Notabile Road, Attard BKR 3000, Malta and subject to limited regulation by the Central Bank of Ireland.


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